Iingenelo Zendlela Yokusebenzisa Imali Yakho
Oko kuthetha ukutshala imali, ngeendlela ezivumela ukuba i-$ 10,000 ikhule ngokuxabisa, ngenxa ye "ummangaliso wenzalo."
Ngelinye igama, inzala yenzalo yintlawulo yakho ekutsalweni kwintlawulo-mali evela kwintlawulo yasekuqaleni (kule mali, i-$ 10 000), kunye nayo nayiphi na inzala engaphambili efunyenwe kwimali.
Umzekelo, ukuba utyalomali i-$ 10,000 kwaye ufumana iipesenti ezi-8 kwi-investment, emva komnyaka owodwa inani lakho lilonke ukusuka kuloo mali-mali lilingana ne-10,800.
Akuyiyo yonke imali ekubuyiselwa ngayo i-8 ekhulwini ngokuxhomekeka, kodwa kunamathuba amaninzi okwenza i-$ 10,000 ngemali ekhulayo, ngokukhokelela imali kule mali-mali:
Isicwangciso sakho se-401k (Umxube weenkampani): Ukutshintsha imali kwi-401k yakho kukusoloko kuluvo oluhle, njengoko isicwangciso sakho se-401k sigxininisa imali kwizithuthi zotyalo-mali eziza ngokubonelela ngenzuzo efanelekileyo, njengeempahla, izibophelelo kunye nemali. Ngaphezulu, ukuba inkampani yakho inikezela umdlalo wekhampani ukuya kuma-6 eepesenti yeminikelo yakho, leyo ibingama $ 6,000 kwimali-mali, ngaloo ndlela ngokukhawuleza ujika $ 10,000 kwi $ 16,000.
I-Stock Market: Kwiminyaka engama-90 edluleyo, ukubuyela kwekota ngokuqhelekileyo kwindleko ye-S & P 500 kwiminyaka engama-90 edlulileyo yi-9,8 ekhulwini-eyenza i-market market ibhetele elungileyo.
Ngo-2017 yedwa, i-S & P 500 ibuyele i-21.8 ekhulwini. Nangona iziphumo ezidlulileyo azibonakalanga zentsebenzo yesikhathi esizayo, iingxaki zikunye xa utyalomali kwiimpahla, ukwenza ukuba imarike yemasheya ibe yindawo enhle yokutyalomali i-$ 10,000.
I-Real Estate: i-$ 10,000 ayinelanga ngokwaneleyo ukutyalomali ngqo kwiimarike zendawo yokuhlala, kodwa kwanele ukuba ungene kwi-trust ye-real estate investment (REIT) okanye i-ETF).
I-REIT kunye ne-ETF zombini zinikeza inzuzo nawuphi na umtyalomali onokuyithanda, kuquka uhlawulelo oluphezulu (bathengiswa lula kwiimarike zezemali), ukungafani (imali ezininzi ziquka iintlobo-mali ezahlukahlukeneyo zotyalo-mali), kwaye, mhlawumbi mhlawumbi, Kufuneka ufumane ukuhlaziywa kwezandla ezingcolileyo okanye ukulungisa ikhaya, njengabo abaninzi abatyala imali.
Ukutshala imali kwi-IRA: I-akhawunti yomhlala-phantsi ngamnye inikezela ukufikelela kwiimpahla ezimiselweyo kunye nokuthengiswa kweemarike zentengiso, kunye neenzuzo ezintle zerhafu. Nge-IRA, ufumana irhoxiso yerhafu xa wenza igalelo, kodwa uya kufuneka uhlawule irhafu xa uthabatha imali ye-IRA yakho yomhlalaphantsi (xa usenokuba udidi lwerhafu ephantsi.) Ngo-2018, inani eliphezulu ongayifaka kwi-IRA yi-$ 5,500 yabantu abangaphantsi kweminyaka engama-50 ubudala. Ukuba uneminyaka engaphezu kwama-50 ubudala, unokwenza ugalelo olongezelelweyo lwe "catch-up" lwe $ 1,000.
Vula i-"R obo " I-Akhawunti yeTyalo- mali: Ngaba sele uva ngeakhawunti ze-robotics-based based? Okuthiwa "i-robo yinkampani ekhulayo, kwaye yindawo enhle yokupaka i-R10 000. Iifom ze-Robo-advisory ezifana neZilungiso kunye nePropati yezobugcisa zibanomdla kakhulu kwaye zenza uninzi lomsebenzi wotyalo-mali, njengokunceda ukhethe utyalo-mali kunye nexesha ukulinganisa i-akhawunti yakho, ngelixa kunciphisa kakhulu imirhumo ephakamileyo edla ngokuza kutyalomali / i-akhawunti ye-brokerage.
Tyala kuwe: Iimarike zezemali akuzona ndawo kuphela onokufumana ukubuyisela okuhle kwimali yakho kwi-investor eyi-10,000. Unokubuyela esikolweni uze ufumane idijithi yomhlobo, okanye uthathe iikholeji ze-intanethi, ngoko ungeze ukongeza kwii-career zakho. Unokufumana utyunjethi oqeshwe ngophando (njengomcwangcisi wezemali oqinisekisiweyo, umphetheli ophezulu, okanye umgcini-mali we-taxentient tax) oza kubakhokelela kwimali engenayo kunye nokufumana ukwaneliseka komsebenzi.
Zifake kwiTyala leKhadi leKhadi: Enye indlela yokugqibela yokusebenzisa i-$ 10,000 ukulungelelanisa kukuhlawula ityala elibalulekileyo. Ukuhlawula amawaka eedola ngetyala lekhadi lesikweletu, yedwa, kunokunceda ukuphucula ukulinganiswa kweentengo zemali, ukunqanda okanye ukuphelisa amaxabiso amanqanaba aphezulu (ukushiya imali engaphezulu kwiifokethi yakho), kwaye ungeze imali engaphezulu kwibhajethi yekhaya xa ikhefu yenyanga yentlawulo yekhredithi. ayisekho kumdlalo.
Kuyafana nezinye iindleko ezibalulekileyo, njengemali-mboleko yomfundi okanye i-mortgages. Ngamafutshane, ityala elihlawulelwayo, ngokukhawuleza uza kuba netyala elikhululekile, kwaye uphumelele ngenxa yoko.
Ezi azinjalo kuphela iindlela zokubeka i $ 10,000 ukusebenzela wena, kodwa zonke zifanele zibe phezulu kwoluhlu lwakho. Xa ufumana izandla zakho kwi-$ 10,000, sebenzisa nayiphi na imoto enye, okanye nayiphi na inxalenye yeengcamango ezingentla, ukuqala ukufumana imali eninzi.